this post was submitted on 22 Apr 2025
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Cyberstuck
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Bear in mind this is almost entirely caused by the stupidity of the American consumer. You can also lease cars like you're describing, and you can also buy a used Honda Civic for under $20k that will last you forever and you can get loans on more reasonable terms. People just don't do those because they see they can get a really nice car for an "affordable" monthly price and get stars in their eyes.
Leasing is something separate here, with a PCP deal its usually more expensive and you get the option to buy/sell it on directly and make a profit, which you do not with our leasing. Leases you can ask to buy the car at the end but you will pay full market value rather than the GFV, which can be less than the market value and they cannot say no.
Leases are also far more strict about wear and tear damage, for example you cant really get away with curbing the wheels but you can for small dings with a PCP.